Shane Kernya

Clinton Township,MI

Summary

Goal-focused Direct Endorsed FHA Mortgage Underwriter highly effective at operating in fast-paced settings. Resourceful, forward-thinking and proactive with remarkable sense of time management.

Overview

years of professional experience

Work History

FHA DE Underwriter

Amerisave Mortgage

Clinton Township, United States

09.2020 - 07.2022

Made careful determinations based on skilled analyses of submitted documentation covering credit histories, employment records and current financial status.
Verified integrity of applicants' information to minimize fraud.
Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
Worked with processing team members to communicate errors and obtain missing information for current applications.
Preformed with the upmost diligence to maintain proper file completions each day.

Senior Conventional Mortgage Underwriter

United Shore Financial Services LLC

Pontiac, MI

08.2018 - 06.2020

Verified integrity of applicants' information to minimize fraud.
Checked/reviewed personal processes to validate information and underwriting decisions.
Recommended loan approvals and denials based on clients overall credit/financial history.
Created strong relationships with clients and teammates to ensure smooth loan process.
Handled pipeline efficiently and was able to start 10 new loan files a day on average

Mortgage Loan Officer

Quicken Loans

Detroit, MI

03.2018 - 08.2018

Explained different types of loans pertaining to client situations.
Maintained friendly and professional customer interactions.
Assessed clients' financial situations to develop strategic financial planning solutions.
Worked with underwriters to fix application problems and resolve issues.
Closed on average 7-10 loans per month

Education

No Degree - Human Biology

Macomb Community College

Warren, MI

08.2016

Skills

Strong client relations
Organization skills
Analytical thinking

Team management
Goal-oriented

Timeline